УДК 336.717 | DOI: https://doi.org/10.31617/zt.knute.2019(103)07 | |
МАЗАРАКИ Анатолий, E-mail: Ця електронна адреса захищена від спам-ботів. вам потрібно увімкнути JavaScript, щоб побачити її. ORCID: 0000-0001-5283-8444 |
д. э. н., профессор, ректор, Киевский национальный торгово-экономический университет ул. Киото, 19, г. Киев, 02156, Украина |
|
ВОЛОСОВИЧ Светлана, E-mail: Ця електронна адреса захищена від спам-ботів. вам потрібно увімкнути JavaScript, щоб побачити її. ORCID: 0000-0003-3143-7582 |
д. э. н., профессор, профессор кафедры финансов, Киевский национальный торгово-экономический университет ул. Киото, 19, г. Киев, 02156, Украина |
ДОМИНАНТЫ FINTECH НА РЫНКЕ ПЛАТЕЖНЫХ УСЛУГ
Исследована взаимосвязь между безналичными расчетами и развитием национальной экономики. Уточнена дефиниция альтернативных платежных услуг. Выявлены факторы влияния на развитие альтернативных платежных услуг. Осуществлен свот-анализ применения инструментов финансовых технологий в сфере платежных услуг. Раскрыты перспективы развития финансовых технологий в платежной индустрии.
Ключевые слова: финансовые технологии, альтернативные платежные услуги, искусственный интеллект, блокчейн, большие данные, криптовалюта, трансграничные платежи.
REFERENCES
- Armey, L. E., Lipow, J., Webb, N. J. (2014). The impact of electronic financial payments on crime. Information Economics and Policy, 29. Retrieved from https://www.sciencedirect.com/science/article/pii/S0167624514000432?via %3Dihub [in English].
- Paul, A., Friday, O.Nigeria's cashless economy: the imperatives. (n.d.). www.ijmbs.com. Retrieved from http://www.ijmbs.com/22/akhalumeh.pdf [in English].
- Bruno, Ph. Global payments – where are we heading? Exclusive interview with McKinsey. (n.d.). www.thepaypers.com. Retrieved from https://www.thepaypers.com/interviews/global-payments-where-are-we-heading-exclusive-interview-with-mckinsey/775549-38?utm_campaign=20181025-automatic-newsletter&utm_medium=email&utm_source=newsletter&utm_content [in English].
- Rinderer, M.The role of payment acceptance in driving ecommerce growth strategies. (n.d.). www.thepaypers.com. Retrieved from http://www.thepaypers.com/expert-opinion/the-role-of-payment-acceptance-in-driving-ecommerce-growth-strategies/767633?utm_campaign=20170116-automatic-newsletter&utm_medium=email&utm_source=newsletter&utm_content [in English].
- Hasan, I., De Renzis, T., Schmiedel, H. Retail payments and economic growth. (n.d.). www.helda.helsinki.fi. Retrieved from https://helda.helsinki.fi/bof/bitstream/handle/123456789/7811/170343.pdf?sequence=1 [in English].
- Tee, H.-H., Ong, H.-B.Cashless payment and economic growth. (n.d.). www.jfin-swufe.springeropen.com. Retrieved from https://jfin-swufe.springeropen.com/articles/10.1186/s40854-016-0023-z [in English].
- Mishhenko, V., Nikonova, M. (2013). Rozvytok bezgotivkovyh rozdribnyh platezhiv i tehnologij samoobslugovuvannja klijentiv bankiv v Ukrai'ni [Development of cashless retail payments and technologies of self-service of clients of banks in Ukraine]. Visnyk Nacional’nogo banku Ukrai’ny – Bulletin of the National Bank of Ukraine, 1,20-25 [in Ukrainian].
- Chekan, I. O. (2014). Bezgotivkovi rozrahunky – suchasnyj sposib oplaty [Non-cash payments are a modern way of payment]. Naukovi zapysky Nacional’nogo universytetu «Ostroz’ka akademija» – Scientific notes of the National University of «Ostroh Academy»: collection of scientific works. Ostrog: Vyd-vo Nacional'nogo universytetu «Ostroz'ka akademija». (Vol. 27). (pp. 121-12) [in Ukrainian].
- Knjazjeva, O. A., Osen’chuk, N. I. (2017). Tendencii'ta perspektyvy rozvytku bezgotivkovyh platezhiv v Ukrai'ni[Trends and prospects for the development of cashless payments in Ukraine]. Molodyj vchenyj – Young scientist, 6 (46), 438-442 [in Ukrainian].
- 10 reasons to be optimistic that full financial inclusion is possible through digital payments. (n.d.). www.betterthancash.org. Retrieved from https://www.betterthancash.org/tools-research/reports/ten-reasons-to-be-optimistic-that-full-financial-inclusion-is-possible-through-digital-payments [in English].
- Sabie A., Moisa B., M. van Stiphout. Payment Methods Report 2018 Innovations in the Way We Pay. (n.d.). www.thepaypers.com. Retrieved from https://www.thepaypers.com/reports/payment-methods-report-2018-innovations-in-the-way-we-pay/r773260 [in English].
- Groenfeldt, T.ATM Turns 50 – The Peak Of Financial Innovation, According To Paul Volcker. (n.d.). www.forbes.com. Retrieved from https://www.forbes.com/sites/tomgroenfeldt/2017/08/10/atm-turns-50-the-peak-of-financial-innovation-according-to-paul-volcker/2/#7c0a56477f29 [in English].
- Za ostanni p'jat'rokiv chastka bezgotivkovyh rozrahunkiv kartkamy v Ukrai'ni zrosla bil'she nizh utrychi [Over the past five years, the share of cashless payments by cards in Ukraine has growm more than three times]. (n.d.). www.bank.gov.ua. Retrieved from https://bank.gov.ua/control/uk/publish/article?art_id=64288337 [in Ukrainian].
- Mazaraki, A., Volosovych, S. (2018). FinTech u systemi suspil'nyh transformacij [FinTech in the system of social transformations]. Visnyk Kyi’vs’kogo nacional’nogo torgovel’no-ekonomichnogo universytetu – Herald of the Kyiv National University of Trade and Economics, 2,5-18 [in Ukrainian].
- Rogers, E. M.Diffusion of innovations, Fourth Edition. The Free Press, New York. (n.d.). www.d.umn.edu. Retrieved from https://www.d.umn.edu/~lrochfor/ireland/dif-of-in-ch06.pdf [in English].
- Alliance, S. C.Contactless payment and the retail point of sale: applications, technologies and transaction models. (n.d.). www.it.iitb.ac.in. Retrieved from https://www.it.iitb.ac.in/~tijo/seminar/Contactless_Pmt_Report.pdf [in English].
- The future of money: how digitalpayments are changing global commerce. (n.d.). www.frontiersofdigitalfinance.com. Retrieved from https://www.frontiersofdigitalfinance.com/fintalk/future-money-digital-payments-changing-global-commerce [in English].
- McGrath, M.Forbes Fintech 50 2018: The Future of Payments. www.forbes.com. Retrieved from http://www.forbes.com [in English].
- Discover the world's payments. – London. (n.d.). Retrieved from http://www.worldpay.com/sites/default/files/WPGlobal-Alternative-Payment-Methods-Brochure.pdf [in English].
- Fraud challenges in global expansion – Lessons from Travian Games. (n.d.). www.thepaypers.com. Retrieved from https://www.thepaypers.com/interviews/fraud-challenges-in-global-expansion-lessons-from-travian-games/770848-38?utm_campaign=20171115-automatic-newsletter&utm_medium=email&utm_source=newsletter&utm_ content [in English].
- Scaffidi, D. The Next Stage of Real-Time Payments Evolution is Here. (n.d.). www.aciworldwide.com. Retrieved from https://www.aciworldwide.com/insights/expert-view/2018/april/the-next-stage-of-real-time-payments-evolution-is-here?mkt_tok=eyJpIjoiTURRNVl6VTVaRFpoTmpCaiIsInQiOiIrXC9LWDNqWHdNNE9iMVlEZElLVXhWQXFXdGdyYXNNVmVGZkZ3TkY0a3hscDZyMlcrTlN5V1hVVFQzcWY5TkNhUjBQUzVUa3B6ZWc0QmdReHQzTXZqTWZ6OWdBOHFsYllTWDIxUzY5OSs1a2paVXNiVENzejNlSjM0WlZLazBjT2cifQ %3D %3D [in English].
- 8 out of 10 global merchants believe real time payments will replace cards. (n.d.). www.paymentscardsandmobile.com. Retrieved from http://www.paymentscardsandmobile.com/8-out-of-10-global-merchants-believe-real-time-payments-will-replace-cards [in English].
- Shaw, D. The rise and rise of artificial intelligence in payents. (n.d.). www.miurasystems.com. Retrieved from https://www.miurasystems.com/latest/the-rise-and-rise-of-artificial-intelligence-in-payments [in English].
- Ohlhausen, R. Artificial intelligence in the payments industry. (n.d.). www.ppro.com. Retrieved from https://www.ppro.com/blog/artificial-intelligence-in-the-payments-industry [in English].
- Artificial intelligence enables instant payments to suppliers. (n.d.). www.paymenteye.com. Retrieved from http://www.paymenteye.com/2018/04/25/artificial-intelligence-enables-instant-payments-to-suppliers [in English].
- The cost for each dollar of fraud losses up to 15 percent for merchants. (n.d.). www.paymenteye.com. Retrieved from https://www.paymenteye.com/digital-identity-security-online-fraud/the-cost-for-each-dollar-of-fraud-losses-up-to-15-percent-for-merchants/771123-26?utm_campaign=20171207-automatic-newsletter&utm_medium=email&utm_source=newsletter&utm_content [in English].
- You Can Win the War on Friendly Fraud. (n.d.). www.hs.ethoca.com. Retrieved from http://hs.ethoca.com/winning-the-war-on-friendly-fraud-research-report [in English].
- Voice and facial recognition to be used in over 600 million mobile devices by 2021, Juniper Research. (n.d.). www.juniperresearch.com. Retrieved from https://www.juniperresearch.com/press/press-releases/voice-and-facial-recognition-to-be-used-in-over-60 [in English].
- Sjöholm, F.Biometrics presents new possibilities for card payments. (n.d.). www.thepaypers.com. Retrieved from https://www.thepaypers.com/thought-leader-insights/biometrics-presents-new-possibilities-for-card-payments/773828 [in English].
- Brown, Ch.How biometrics will impact payments. (n.d.). www.due.com/blog. Retrieved from https://due.com/blog/how-will-biometrics-impact-payments [in English].
- The growing role of artificial intelligence in concumer payments. (n.d.). www.interactions.com. Retrieved from https://www.interactions.com/wp-content/uploads/2017/11/INT_WP_AIandConsumerPayments_11-28-17.pdf [in English].
- Faden, M.Machine learning Helps Payment Services Detect Fraud. (n.d.). www.americanexpress.com. Retrieved from https://www.americanexpress.com/us/content/foreign-exchange/articles/payment-services-fraud-detection-using-AI [in English].
- Singh, S.An overview on cryptocurrencies usage in payments, ecommerce, gaming, and travel. (n.d.). www.thepaypers.com. Retrieved from https://www.thepaypers.com/expert-opinion/an-overview-on-cryptocurrencies-usage-in-payments-ecommerce-gaming-and-travel/775348?utm_campaign=20181015-automatic-newsletter&utm_medium=email&utm_source=newsletter&utm_content [in English].
- Deutsche Bank Global Transaction Banking Piecing together the global payments puzzle Towards a more secure, fast, efficient, transparent and global network. (n.d.). www.gtb.db.com. Retrieved from http://gtb.db.com/docs_new/Deutsche_Bank_Whitepaper_Piecing_together_the_global_payments_puzzle_Oct2018.pdf [in English].